StoneCo Ltd (NAS:STNE)

Q3 2025 StoneCo Ltd Earnings Call Transcript

Nov 6, 2025 / 10:00 PM GMT

Release Date Price: $18.87 (-0.89%)

Transcript

Key Points

Positve

StoneCo Ltd (STNE) reported a 15.2% year-to-date growth in adjusted gross profit, demonstrating resilience despite a challenging macroeconomic environment.
The company's adjusted basic EPS increased by 37% year-to-date, indicating strong financial performance.
StoneCo Ltd (STNE) returned 2.8 billion reais to shareholders through share buybacks, reflecting a 10% yield for the period.
The active client base for StoneCo Ltd (STNE)'s payments business grew by 17% year-over-year, reaching 4.7 million clients.
Client deposits in StoneCo Ltd (STNE)'s banking operations grew by 32% year-over-year, showcasing strong client acquisition and engagement.

Negative

StoneCo Ltd (STNE) experienced a deceleration in TPV growth, reflecting a more challenging macroenvironment and industry dynamics.
The company's financial expenses increased by 28% year-over-year, largely due to higher average CDI rates.
StoneCo Ltd (STNE) faced increased marketing expenses, which negatively affected year-over-year comparisons.
The company's NPLs over 90 days increased to 5.03%, reflecting the natural maturation of the credit portfolio.
StoneCo Ltd (STNE) anticipates further deceleration in TPV growth due to ongoing macroeconomic challenges.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

STNE.OQ - StoneCo Ltd
Q3 2025 StoneCo Ltd Earnings Call
Nov 06, 2025 / 10:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good evening everyone.

Thank you for standing by. Welcome to Stone Co's 3rd quarter 2025 earnings conference call.

By now, everyone should have access to our earnings release.

The company also posted a presentation to go along with its call.

All material can be found online at investors.stone.co.

Before we begin the call, I advise you to review the disclaimer included in the press release and presentation, which outlines important information about forward-looking statements and non-IFRS financial measures.

In addition, many of the risks regarding the business are disclosed in the company's Form 20 filed with the Securities and Exchange Commission, which is available at www.Sc.gov.

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